A large number of savings accounts do not require advance notice to access funds. It is worth noting, however, that instant access and no notice accounts tend to differ slightly.
Instant access accounts allow immediate access to money, while those withdrawing from a no notice account may need to allow a short while for funds to be transferred, or for cheques to clear.
Here is a selection of the current best no notice cash ISAs accounts.
Birmingham Midshires – ISA Extra
The ISA Extra account pays 2.70% on its anniversary including a 1.00% bonus for fifteen months. A monthly interest option is available at 2.67% including a bonus of 0.98% for fifteen months. Savers can invest a minimum of £500. Interest is paid after one year, then again when the fifteen month period expires, then annually afterwards. Transfers in are allowed. No notice is required to access funds, although all withdrawals must be made by cheque. The account can be operated by post by savers aged 16 and over.
AA – AA Access ISA
This account pays a rate of 2.70% on its anniversary including a bonus of 1.00% for twelve months. A monthly interest option is also available at 2.67% including the same bonus. Savers can invest a minimum of £500. Funds can be accessed without advance notice or penalty, however, all withdrawals must be made via a nominated account. Transfers in are allowed. The account is available to savers aged 16 and over and can be operated by post only.
Marks & Spencer Money – Flexi Cash ISA
This account pays 2.65% on its anniversary including a bonus of 1.25% for eighteen months. Savers can invest a minimum of £100, although savers who invest monthly by direct debit will need to make a minimum deposit of £25. Transfers in are allowed. Funds can be accessed without advance notice, although all withdrawals must be made via BACS to a nominated account. Savers can split their full ISA allowance between the Marks & Spencer Money Fixed Rate Options and the variable Cash ISA if they wish. The account is available to savers aged 16 and over. The account can be operated by post or telephone, although new savers wishing to open a Flexi Cash ISA account can do so online.
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Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
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